I could have stalled and decide to wait until the answer came to me, but I reached out to several investment forum and identified a commercial lender. 

You stepped out of your house, turned to walk toward the municipality center, and when you got to the corner every week there was a stall selling sheets and blankets at cut prices but really quietly shilling unstamped illegal counterfeit cigarettes right outside the convenience store there. 

I'm not sure how "we" solve it, I know I'm gonna keep plodding forward like Boxer the horse ;) (reference to your other post) You might break the forum with these two threads lol.

When I do buy a W/D I get a basic work horse model that has the least amount of electrical components to it, simple dial knobs for controls and hopefully a push button to start.

I just read an article in PSBJ in the first half of this year, the absorbsion of new office space here is 2.9 million sqft which accounts for more than one third of new office space nationwide. what is more impressive is the request for new space is 7.3 mil so if everything goes as planned we are only halfway through. one new office job will add 3 to 4 service jobs. so think about how many new jobs will be added in the future. compare to Seattle, the new office space absorbsion in San Francisco is only 255k sqft. that explains the stall of appreciation in that market.

Built 2004, 10,000 sq ft lot. 1,900 finished sq ft. 3 bdrm, 2 1/2 bath, fireplace, 2 stall attached garage, 2 decks, finished family room in basement. .

With incomes stalled, home prices high and more people with student debt living in expensive big cities, that trend will continue.

If we are lucky to survive this onslaught, we will rebuild all that has been stalled, shut or broken.

Unless it's now owned by a very small portfolio lender, your chance about zero, Feel free to prove me wrong (I don't gave a horse in your race).Good luck!

(Don't throw stones--if someone is disabled, of course, that's a horse of a different manure.)